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More than half of the insurance products offered on public exchanges under the Affordable Care Act are health maintenance organizations (HMOs) or plans that limit healthcare providers “within a predetermined network,” a study by Blue Cross and Blue Shield plans shows.

The Blue Cross and Blue Shield Association said HMOs and what it called “exclusive provider organization products” increased to 52% of the health plan offerings on public exchanges for this year compared to 41% in 2015. Because HMOs generally limit choices to the doctors and hospitals in their networks and exclusive provider organizations work in a similar way to keep costs low, consumers are picking these plans to save money.

“Insurers are offering more product choices with networks and benefits designed to offer options to consumers who are seeking lower out-of-pocket costs,” the association’s study said.

Demonstrator Ryan Thomas, a supporter of the Affordable Care Act (ACA), holds an "ACA is here to Stay" sign after the U.S. Supreme Court ruled 6-3 to save Obamacare tax subsidies outside the Supreme Court in Washington, D.C., on Thursday, June 25, 2015. Photographer: Andrew Harrer/Bloomberg

The analysis drew from a “county-level database of every individual market health insurance carrier and product sold across the country,” the study said. This would include health plans sold by not only Blue Cross and Blue Shield plans like those offered by but also , , and .

Enrollment for this year runs until Jan. 31 for Americans who still want coverage for 2016.

For now, people who have signed up for this year are getting a lot of choices even though some carriers have pulled products off the exchanges.

PPOs tend to be more expensive to offer consumers because they allow subscribers to go outside of health plan networks though at a higher cost to the subscriber. The larger doctor and hospital networks in a PPO also add costs for insurers.